Trust me bro(ette): Rubber duck is the SHIT. I don’t even program save for a few rare instances, but any complex issue where you just know something is wrong but can’t quite put your finger on it? It works miracles. A lot better tbf if you are actually explaining it to someone who can ask questions, but any object that you can look at is a good substitute.

I misread that as Clothes and was going to note that they will deal with minors …

Congratulations, they disagree. Have fun paying hospital bills then and pray you never get into an accident.

I see, an enlightened American (or not? I can hardly ever tell tbh). There are two very good models of insurance that I can think of right now:

1. Obligatory, with fees based on income. Esp. health insurance.
2. A situation where you absolutely cannot afford losing the object in question. An individual may never recover, but it is an extremely rare occurence, e.g. your house burns down. The cost spread over many shoulders is insignificant, but it ensures that no one is left with nothing. A third possibility are investment strategies, where an insurance uses the money to future-proof a system or sector - the incentive for good performance is that they have to pay for e.g. flood damaging if they don’t build proper dikes. But that can easily be done without insurance, by governance.